EMI vs SIP for ₹5,000,000
19 Years @ 7%
Original Plan
19 Years @ 7%
EMI: ₹ 39,710
Extended Plan
24 Years (Reduced EMI)
EMI: ₹ 35,888
Monthly Savings
₹ 3,822
SIP Investment
@ 12% for 24 years
₹ 6,392,408
Extra Interest Paid
₹ 1,281,945
Final Outcome
₹ 5,110,463
Profit from SIP strategy
Analysis
For ₹5,000,000 loan at 7%, investing savings can generate ₹6,392,408.
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